Privacy Policy

We (MedicareAdvantageComparison) are committed to protecting the privacy rights of our users. Therefore, we designed and maintained on an ongoing basis, a privacy compliance framework under which our users will be able to get information and exercise their rights with respect to their information and privacy. 

Our privacy policy is designed to inform you about the information we collect, how we use it, and your options about certain uses of information. Key elements of our full privacy policy are summarized below for your convenience. 

Our privacy policy applies to website visitors. This summary is designed to provide you with the highlights in an easy to understand language. However, the full version of our privacy policy is the legally binding one.

Please note that in some of our services our data collection, use, and sharing practices are governed by the Gramm-Leach-Bliley Act.

However, some of our processing of information may raise additional privacy rights in specific states in the US. If you are a resident of Vermont please note that we will not share your non-public personal information with unaffiliated third parties without your consent, other than as permitted by law and that we will not share credit score with our affiliates without your consent. If you are a California resident, please see our California privacy notice as well. 

Information We Collect and How We Use It: When you visit our websites, we collect certain information about your visit, interaction with content, the site from which you arrived and to which you are heading, and some additional technical information about the device and system from which you are consuming the services. Some of our services require you to provide us your personal information with sensitive nature and may include financial information, we use such information to match you with one of our partners or platforms that may provide you an insurance offer.

The information is used to operate our websites, provide you with the services, improve them over time, monitor analytics and statistics and enable us to sync and resolve payment issued with our business partners (including clients, vendors and affiliates).

We will not share your information unless we are required to by law, or as required to provide you with our website and services.

We truly encourage you to read, understand and revisit our full privacy policy from time to time.

Privacy Policy

Last Updated: 1 July, 2021

This privacy policy ("Privacy Policy") is designed to describe MedicareAdvantageComparison’s ("MAC”, "we", "our" or "us") data collection practices in connection with this site (together with its subdomains, features, and services available thereon, the "Site"), and in connection with your use or engagement with any feature, content, offer, element or service we make available to you via the Site (the “Services”). The section and sub-section headings used below are for convenience of reading only (and are not to be used for interpretive purposes), and we hope they ease navigating this Privacy Policy. 

We reserve the right, in our sole and absolute discretion, to change this Privacy Policy at any time. In which case, we will post the modified Privacy Policy on the Site, and the “Last Updated” statement at the bottom shall reflect the effective date of the modified version. Any access or use you make of the Site following such date, constitutes your consent and acceptance of the modified Privacy Policy. If we make significant changes, we will make sure to provide more prominent notice to you, such as posting a notification on the Site, seven (7) days before the changes become effective. In which case, the changes will be effective seven (7) days after such notification was published.

1. Terms of Use. This Privacy Policy forms an integral part of the Site's Terms of Use (the "Terms"). Any capitalized term in this Privacy Policy that we don't define, will have the meaning given to it in the Terms.

2. Our Legal Bases of Processing. We process and use Personal Information in accordance with data protection laws. Our legal ground for processing your Personal Information will typically be one or more of the following: 

2.1. Performance of a Contract. By accessing or using the Site, you ask us to provide the Services to you in accordance with our Terms of Use. In order to do that, we need to process some of your Personal Information (such as using your financial information to provide you with our Partners’ offers).

2.2. Legitimate Interests. We may use some of your Personal Information where we have legitimate business grounds to do so. We use this Personal Information to operate, improve and promote the Services (for example, when we customize your experience of the Services or for analytics purposes) and to protect our business (for example, to prevent fraud or ensuring the Site security).

2.3. Legal Obligations. In some cases, our use of your personal information will be necessary to comply with regulatory obligations or legal requirements (for example, addressing complaints from users or authorities).

2.4. Consent. In certain cases, we will ask for your consent to process and use your Personal Information in order to provide additional services (for example, when you subscribe to our newsletters, provide us Personal Information to get personalized loan offers or add a review on a service or product). When we rely on consent as our legal basis of processing You may ask to withdraw your consent by sending us a request to contact@medicareadvantagecomparison.com. Once we have verified your request, we will contact you.

3. Information We Process. When you visit the Site, or use the Services we may collect certain information about your visit and usage of the Site and the Services, in one or more of the following ways:

3.1. Information You Provide to Us. Some of the Services will require you to provide or submit certain Personal Information in order to be able to use them. Such Services and features are subject to your specific and active consent and choice (e.g. providing your financial information to present you with potential loan offers from Partners, subscribing to newsletters which may become available in certain Sites from time to time, and more), and some will be collected upon your consent to this Privacy Policy, as described below.

For the purposes of this Privacy Policy, "Personal Information" means information that may be used, either alone or in combination with other information, to personally identify an individual, such as a first and last name, an email address, phone number, a home or other physical address, and other contact information. In some jurisdictions and given the specific use we make with the information, an IP address that your Internet service provider allocates for your device, may also be considered as Personal Information. In which case, we will be treating the IP address as personal in all handling and safeguarding aspects. 

3.1.1. Third Party Forms and Services: The Site lists, rates and compares various 3rd party businesses, platforms, brands and commercial entities in the insurance market (collectively, "Partners") and their respective products and/or services (collectively, "Products"). We may, from time to time, provide you with offers, services and Products of Partners via an online request to be filled by you, upon your intent choice and consent, and such information will be used to facilitate your connection and/or engagement with the relevant Partners (“Lead”). Your submission of information will also be provided directly to our Partners and will be used according to this privacy policy as well as such Partners’ own privacy policy. Additionally, if you want to receive more information about a Partner or a Product, or if you otherwise want to pursue a transaction with a Partner, and you click the relevant Partner icon or tab, you may be directed to a landing page or an online form that is owned and operated by the Partner (the "Landing Page"); similarly, you may also be directed to the Landing Page through other websites and online searches. In either case, however, you may be prompted to submit certain information on the Landing Page, including Personal Information such as your name, email address, and phone number (such information collectively, "Landing Page Info"). The Landing Page Info that you submit is collected directly by the Partner who provided it and will include its own privacy policy and data collection practices information. We advise you to refer to such privacy policy to better understand the purpose of collection and use of the Personal Information you submit. 

3.1.2. Contact Us. If you send us a ‘Contact Us’ (or similar) request, whether by submitting an online form that we make available, by sending an email to an email address that we display, by using a feedback or reporting feature that is available on the Site, or by other means, you may be required to provide us with certain Personal Information, such as your name and email address. Such information, including the content of your approach, will be used for the purposes of processing and addressing your request and for our legitimate business purposes, as further described in section 4 and 5 of this Privacy Policy.

3.1.3. Blogs, Newsletters, Surveys and Promotions. The Site may contain a blog forum, reviews, and articles displaying information about our services, Partners, Products, and the relevant market vertical. The Site may also offer you the opportunity to subscribe to newsletters and participate in surveys and other promotional activities (some of which may be administered by us, and some of which may be administered by third party services with which we engage). In each of the foregoing cases, your interaction (such as responding on the blog forum, subscribing to a newsletter, or participating in a survey) may require you to provide certain Personal Information such as your name and email address. 

3.2. Information We Collect from You. We collect information about your use of the Services and your interaction with the Site or the Services, as follows, and in the following ways:

3.2.1. Device Information: For delivering and compatibility purposes, so as for language, geographic location and time zone, we collect device information such as: device type and version, operating system type, language and version, and information that can be extracted out of a user agent, such as browser type and version, screen resolution. 

3.2.2. Interactions and Usage: In order to provide the Services, operate the Site, and keep improving it, so as to be able to sync with our Partners and affiliates, we collect information about your interaction and use of the Services, such as: URLs from which you were directed to the Site and to which you are referred from the Site, internal URL’s of the Site in which you visited and your actions with respect to the Services (such as view or click), date/time stamp of Site use, timing for clicks and page-views.

3.2.3. Log Files: We collect information through server log files, but also by deploying tracking technologies within the Site, such as pixel tags. We do this to analyze trends, track user’s engagement and interaction with the Site and respective Services. The type of information collected may include internet protocol (IP) addresses that your Internet Service Provider allocated to your device. We collect IP for limited time and for specific purposes. One, is to better understand your geographic location (country, region, and language) and therefore be able to provide the Services in your own language and relevant to your place of origin. Second, we use automated tools to analyze IP addresses and flag those that are fraudulent. Third, we may retain your IP address to evidence any consents you have given us or the Partners. 

3.2.4. Cookies and Similar Technologies. The Site may use "cookies" and other anonymous web tracking technologies (such as "web beacons" and "pixel tags") implemented by us or by third party service providers. A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. When you visit the website again, the cookie allows that website to recognize your browser. Cookies may store your online preferences and other information about the interaction you make in the Site. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent to your browser. However, some features or services, included in the Site, may not function properly without cookies, and some features may become unavailable for you in such cases. A pixel tag is a type of technology placed on a website for the purpose of tracking activity on websites, or when emails are opened or accessed (if applicable), and is often used in combination with cookies. 

3.3. Information we receive from Third Parties. Like many Internet based services, the Site and the Services are operated and provided in collaboration, sync and interaction with third parties, including Partners, affiliates and other third parties. In order to enable and facilitate such sync, as well as to provide you with tailored offers and services from Partners,  we may receive information from third parties, such as: an internal user identifier that out system generates to each user, details of Products you purchased, or applied for, from the Partners,  and a summary of action taken by you (e.g. click, purchase, view, form submission or a phone call). In some Sites, you will be able – upon your choice – to consume the Service on a click-by-call basis. In which case, a third-party vendor/s facilitates the call transmission, tracking and feedback for success. In such cases, the phone number from which you called may be provided to us (with no other information about you attached), for limited time and for purposes of resolving referrals and successful calls with our Partners. Except for this purpose, we do not make any other use of such information, unless you will give us your explicit consent.

4. Consent, Choice and Modifications. You are not legally obligated to provide us with Personal Information (and you acknowledge that providing us with Personal Information is done freely). Nor are you required to use the Site in the first place. By using the Site and engage or interact with the Services, you consent to this Privacy Policy and to our information practices described herein. If you do not agree to this Privacy Policy, please do not access or otherwise use the Site or the Services. 

Some of the Services will require you to submit specific Personal Information. In such a case you can choose whether you want to use such Services or not. Be aware that even if you provided us with your Personal Information, you have the full right to withdraw such consent at any time (please refer to section ‎8 below to get further details about opting out and withdrawing consent). 

5. The Way We Use Personal Information. In addition to the uses of information we collect (including Personal Information, jointly “your Information”) described elsewhere in this Privacy Policy, we also use Personal Information in the following ways:

To generally provide you with the Site, Services and constantly improve them. We will use your Information to: (a) administer and make available the Site and Services to you; (b) further develop and generally improve the Site and the Services; (c) counting and tracking purposes of referrals and ads; (d) validation of users as human and anti-fraud monitoring (e) respond to your inquiries and other communications with you; (f) identify or authenticate your access and use of the Site; and (g) market to you personalized offers.

6. Sharing Your Information with Third Parties. 

We do not share Personal Information about you with third parties, except for the following circumstances:

6.1. Data Storage and Security Platforms (“Data Platforms“); We use third party cloud and storage services to store and retain all Information that we collect about you. It means that we send or otherwise share your Information to/with third party entities that are located anywhere in the world, including in the U.S, for the purpose of storing such information on our behalf, or for other processing needs. Such entities include Google Cloud  (which privacy policy available at: https://cloud.google.com/terms/cloud-privacy-notice). These Data Platforms may be located anywhere in the world. We use Data Platforms that maintain a strict privacy protection and data security policies, and strict compliance with applicable data protection laws. However, their practices and activities are fully governed by their own privacy policies. 

6.2. Social Media Platforms. We may share information with social media platforms (such as Facebook, LinkedIn etc.) for marketing and operation purposes. Such social media platforms may collect your Personal Information independently and may combine the not identified information provided by us, with your Personal Information which they collect to which you gave your separate and independent consent. Any such action and any Personal Information that may derive from it is subject to the social media's own privacy policy and is not, governed, controlled, or known by us. To the extent provided by law, you may opt-out from this data sharing according to section 9 below (Privacy Notice for California Residents).

6.3. Third Party Service Providers. We may send or otherwise share your Information to/with various third party service providers that help us with our business operations (for example, customer service operators and email or phone administration providers), that help us understand how our users use the Site and Services, operate them and to improve them.

6.4. Enforcement. We may share your Personal Information with any third party if we believe that disclosure of such information is helpful or reasonably necessary to: (a) comply with any applicable law, regulation, legal process, or governmental request; (b) enforce our Terms of Use, including investigations of potential violations thereof; (c) detect, prevent, or otherwise address fraud or security issues; and/or (d) protect against harm to the rights, property or safety of MAC, our affiliated entities, our users, yourself, and/or the public.

6.5. Insurers. The Services may include submission of an online request, in case you will choose and be interested to receive offers from our Partners based on your Personal Information  (”Request”). In which case, we will send your Request information or otherwise share it to/with our Partners and service providers in order for such Partners to provide you with personalized offers and to contact you with the information you have requested. You will be able to find the identity of the Partner with whom information is shared, or a list of such Partners and service providers with whom such Request information is shared, before you give us your consent for such sharing. In either case, you acknowledge that: (a) the Partners may contact you using the Request information which you submitted; (b) we do not control the way in which Partners may contact you, or the subject matter of such contact; and (c) each Partner is required to provide its own privacy policy, and so it would not necessarily adhere to this Privacy Policy. 

6.6. Affiliates, Merger, Sale or Bankruptcy. We may share your information with our group companies (e.g. parent company, subsidiary, sister company or other affiliated entities). In the event that MAC or one of our affiliated entities is acquired by, or merged with, a third party entity, or otherwise sells all or part of our/its assets, we may (and hereby reserve the right to) transfer or assign the Personal Information and other information we have collected or received. In such a case, we will require the acquiring entity to post its data practices and provide you with any of your rights as per the jurisdiction of your residency.

We may also share some non-Personal Information with the following type of third parties and under the following circumstances:

6.7. Third parties we engage or host or provide us with services and features we can offer to you, collect data from the Site and visitors’ engagement with the content and features on our behalf, or for the provisioning of their services. This happens in cases where we use or deploy third party technology, service or feature, or where we otherwise give these third parties access to our Site or technology for specific purposes, as described in the Privacy Policy or in the Site. We may use analytics tools, including Google Analytics. These tools help us understand users’ behavior on our Site and Services, including by tracking page content, and click/touch, movements, scrolls and keystroke activities. The privacy practices of these tools are subject to their own policies and they may use their own cookies to provide their services. Click here for further information about Google cookies. Click here to opt out of Google Analytics.

7. Links to and Interaction with Third Party Properties. The Site may link to third party websites (such as those of Partners), content, and other online properties (collectively, "Third Party Properties"). Data associated with your clicking through to such Third Party Properties, as well as any Personal Information you provide on such Third Party Properties, is provided to the third party (although MAC and its affiliated entities may have arrangements with such third parties pursuant to which such data and Personal Information is sent or shared back to/with us). We are not responsible for the privacy practices of such third parties, or for such Third-Party Properties, Products, and respective data collection practices. We encourage you to read the terms and conditions and privacy policy of each Third-Party Property that you choose to use or interact with

8. Choices and Opt-Out. It is your choice to provide us with your information for the uses described in this Privacy Policy. You can decide at any time to exercise your rights with respect to your Personal Information and the jurisdiction of your residency. For example (where applicable and relevant):

8.1. Cookies and Tracking Technologies. you may set your browser to refuse and/or block any cookies from the Site or third party services (for more details please refer to Section ‎2.1.1 hereof). 

8.2. When applicable, review and update or request to remove your Personal Information from our servers (for more details please refer to Section ‎2).

9. California privacy notice. Privacy Notice for California Residents. As mentioned above, some of our data collection is governed by the GLBA. However, in some instances the California law may apply to our data sharing. If you are a California resident, this section may apply to you and supplement the main privacy policy. The California Consumer Privacy Act (CCPA) provides specific rights to California residents in relation to their personal information. As a California resident and to the extent provided by law, you may:

• Request to Know/Access. You have the right to know what information we have collected, used, disclosed, or in the preceding twelve (12) months. Please read Section 3.1 (Information you provide to us), Section 3.2 (Information we collect) and Section 3.3 (Information we receive from third parties) to exercise this right. We will also disclose to you the specific pieces of personal information that we collected about you if we receive your request for such information and verify your identity.

• Request to Deletion. You have the right to request that we delete from our databases any of your personal information that we collect and retain, subject to certain exceptions (such as detecting security incidents, debugging, comply with legal obligations, etc.). We will delete your personal information from our records once we verify your identity and unless an exception applies.

• Request to Opt-Out from Sale of Personal Information. Though we do not currently sell personal information the California Consumer Protection Act may consider some of our use of cookies as “sale” of personal information. As a California resident you may click the “do not sell my personal information” link at the bottom of our homepage, check the box and opt out of such “sale” of information to third parties. When you opt out, you may still see general audience advertising regarding our services.

• No Discrimination. We will not discriminate against you for exercising your above rights, by: (A) denying you goods or services; (B) charging you different rates for goods or services; (C) providing you with a different level or quality of goods or services; or (D) suggesting that you will receive a different price, rate, level, or quality of goods or services. We may have a different rate or provide a different level or quality of service if the difference is reasonably related to the value provided to you by your personal information we collect.

• Handling Privacy Requests. We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If the exercise of your right requires more time (up to 45 additional days), we will inform you of the reason and extension period in writing. We may deny your request if we couldn’t verify your request or if we must retain your personal information for certain activities (such as detecting security incidents, debugging, comply with legal obligations, etc.).

Our California Do Not Track Notice. Some web browsers offer a “Do Not Track” (“DNT”) signal. A DNT signal is an HTTP header field indicating your preference for tracking your activities on the Service or through cross-site user tracking. We do not currently respond to DNT signals. We may allow third parties, such as companies that provide us with analytics tools, to collect Personal Information about an individual consumer’s online activities over time and across different web sites and services when a user uses the Site.

10. Information Security. We, and respective third-party services/affiliate entities implement data security systems and procedures to secure the information transmitted, processed and stored on the Site, our computer servers and systems. For example, the Site is encrypted by using SSL and so as any other information at transport, we periodically review our information and data collection practices to ensure constant monitoring, we use third party processing and serving services that implement various information security standards and certifications (at rest and transmission), and we monitor and filter access to data when it comes to personnel in our organization. Such systems and procedures reduce the risk of security breaches, but they do not provide absolute security, as there is no such thing when it comes to the world-wide network. Therefore, we cannot guarantee that the Site and our servers are immune to unauthorized access to the information stored therein and to other information security risks. 

11. Children’s Privacy. The Site or the Services are not designed to attract users under the age of 18. Accordingly, we do not intend to collect Personal Information from anyone we know to be under 18. If we learn that we have collected Personal Information from a child under 18, we will use commercially reasonable efforts to delete that information as quickly as possible. If you believe that we might have any such information, please contact us at: contact@medicareadvantagecomparison.com.

12. Commitment. Protecting your privacy online is an evolving practice, and we use our best efforts to evolve our Site in a manner that meets these requirements and best practices as per all jurisdictions in which the Site is available. 

13. Contact Us. We try to make this Privacy Policy simple and easy to understand. However, if you have any questions you may contact us at: contact@medicareadvantagecomparison.com.